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LH Chapter 6 FL Manual

Quiz by Brian Morton

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10 questions
Show answers
  • Q1
    In which of the following situations does the incontestable clause apply?
    No insurable interest
    Concealment of smoking
    Impersonation of the applicant by another
    Intent to murder
    60s
  • Q2
    Which of the following is(are) a common life insurance policy exclusion?
    All of the answers
    Death by commercial aviation
    Death from war
    Death by accidental means
    60s
  • Q3
    All of the following are standard life insurance policy nonforfeiture options EXCEPT
    Reduced paid-up (permanent) insurance option
    Extended term insurance option
    Cash surrender option
    1-year term insurance option
    60s
  • Q4
    Which life insurance provision allows the policyowner to inspect and, if dissatisfied, to return the policy for a full refund?
    Waiver of premium
    Probationary period
    Probationary period
    Free look
    60s
  • Q5
    “If an insurance company determines that the insured is totally disabled, the policyowner is relieved of paying the policy premiums as long as the disability continues.” This statement describes
    The premium suspension clause
    The waiting period exemption
    The waiver of premium rider
    The disability income rider
    60s
  • Q6
    To what period would a 14-day free-look provision apply in Florida?
    The first 14 days after the issued policy has been received by the insured
    The first 14 days after the policy has been issued by the insurer
    The first 14 days after the application has been received by the insurer
    The first 14 days after the application has been signed by the applicant
    60s
  • Q7
    Which provision of a life insurance policy states that the application is part of the contract?
    Insuring clause
    Incontestable clause
    Entire contract clause
    Consideration clause
    60s
  • Q8
    Which of the following is stated in the consideration clause of a life insurance policy?
    Benefits payable upon the insured’s death
    Insured’s risk classification
    Insured’s general health condition
    Amount and frequency of premium payments
    60s
  • Q9
    Leland elects to surrender his whole life policy for a reduced paid-up policy. The cash value of his new policy will
    Continue to increase
    Remain the same as in the old policy
    Decrease gradually
    Be forfeited
    60s
  • Q10
    The rider that provides for a waiver of premiums on a juvenile policy if the adult payor dies or becomes disabled is
    A waiver of premium rider
    A guaranteed insurability rider
    An automatic premium loan rider
    A payor rider
    60s

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